A cost-effective, easy-to-manage bundle of business owner’s insurance.
no obligation quote
A cost-effective, easy-to-manage bundle of business owner’s insurance.Get my quote
no obligation quote
Most small business owners need more than one insurance policy. Trouble is, working out exactly what coverage you need takes time. And when you’re buying the policies separately, the cost can seriously add up.
The good news is you could buy a business owner’s policy (or BOP) instead. It comes with general liability and property insurance as standard.
Plus, a choice of optional add-ons designed with small business owners in mind. Like office insurance that covers business interruption, liability insurance for non-owned vehicles, and business equipment for your office essentials.
Not only can you customize a BOP to suit your business, it usually works out cheaper than buying the policies separately. And, because it acts as one policy, it’s easier to manage too.
Why waste time and money when a BOP can save you both?
Included as standard
General liability insurance
For claims you damaged someone else’s property, or caused them injury (including slander or libel). Takes care of medical expenses, your legal defense and compensation, too, if you’re liable.
Plus, up to $250 a day to cover your lost income and expenses. Even if a claim is groundless.
Covers a building you own or rent, as well as your business equipment and furniture, for damage or loss. Includes computers, scanners, and printers. As well as leased items and other people’s property temporarily in your care.
It also covers business equipment away from your office. For loss, accidental damage and theft for up to $10,000.
Coverage you can add on:
Business equipment upgrade
Up to $25,000 of coverage for business equipment you take out of your office.
Electronic data loss
Up to $10,000 of coverage to replace or restore electronic data lost if your computer system’s damaged by a fire, virus or malware. And lost income if you can’t do business as a result.
Covers your business equipment for mechanical or electrical breakdown.
Protects you from the cost of employee dishonesty. Including theft of client property, money transfer fraud, and forgery.
Coverage for damage or loss caused by terrorist acts.
A business owner’s policy won’t protect you from every risk your business faces. There are a few things a BOP doesn’t cover that you should consider:
Yes. There are several extras you can add on to your business owner’s policy, such as:
In short, anyone who owns or rents an office space can get a business owner’s policy.
Although it usually works out cheaper than buying each policy separately, the cost of a BOP varies from business to business.
The amount you’ll pay will depend on:
You’ll find more on who needs a business owner’s policy on our blog.
But as a general rule, you should think about protecting your business with a BOP if:
For help, support or just a quick question, feel free to call me.
I'm Amber - I'm here to help you Monday to Friday, 9am-5pm ET.
My direct line is 978 344 4225.
Customer Service Representative